Last updated: June 2026

At SF Capital, we strive to deliver high-quality business consulting and software development services. Please read our Refund Policy carefully before engaging our services.

1. Our services

SF Capital is a consulting and software development business. We provide

business development consulting, and we design, build and maintain

software solutions for our clients ("Client", "you"), under the

scope, fees and timelines agreed in a signed proposal, statement of work

or service agreement ("Engagement").

2. Deposits and milestone payments

Engagements are typically billed as either a deposit plus milestone

payments, or a retainer billed in advance for a fixed period (e.g.

monthly). The specific payment schedule for your Engagement is set out in

your proposal or service agreement.

• Deposits secure our time and resourcing for your Engagement and are

non-refundable once work has commenced, except as set out in Section 3.

• Milestone payments are due on completion of the corresponding

milestone and are non-refundable once that milestone has been delivered

and accepted.

• Retainer fees cover the period they are billed for and are

non-refundable for that period once the period has begun, except as set

out in Section 3.

3. Refunds

We want our clients to be satisfied with our work. Refunds are considered

in the following circumstances:

• Work not yet started — if you cancel before any work has commenced

on a deposit or milestone, the amount paid for that deposit or milestone

will be refunded in full, less any third-party costs already incurred

on your behalf (e.g. software licences, hosting, domain registrations).

• SF Capital unable to deliver — if we are unable to deliver the

agreed scope of an Engagement, we will refund the unearned portion of

fees paid for work not delivered.

• Work already delivered — fees for work that has been delivered,

reviewed and accepted by you (or delivered and not disputed in writing

within 7 days of delivery) are not refundable.

To request a refund, contact us at the details above with your invoice

number and the reason for the request. We aim to respond within 5

business days and, where a refund is due, to process it within 10

business days to the original payment method.

4. Cancellations

4.1 Project-based Engagements

Either party may cancel a project-based Engagement on written notice as

set out in the relevant service agreement. On cancellation:

• You will be invoiced for all work completed and costs incurred up to

the cancellation date.

• Any amount already paid in excess of work completed and costs incurred

will be refunded under Section 3.

4.2 Retainer or subscription-based Engagements

Retainer Engagements may be cancelled by either party giving 30 days'

written notice, unless a different notice period is specified in your

service agreement. The retainer fee for the then-current billing period

remains payable in full; no further retainer fees will be charged after

the notice period ends.

5. Chargebacks and disputes

If you believe a charge was made in error, please contact us first so we

can resolve it directly. Card payment disputes raised with Paystack or an

issuing bank are handled in accordance with the relevant card scheme rules

and Paystack's dispute process.

6. Changes to this policy

We may update this policy from time to time. The current version is

always available on request from SF Capital.